Comenity

First off, I've read all of the negative reviews and it's the card holder's fault and not Comenity. If you are on top of your bills, and pay them on time every month whether it's minimum, partial, or PIF they will treat you very well, give CLI's, and you won't have late fees. It is sent with the card in print stating the fees and due dates. If you are two days late, you will get a late fee. That's not Comenity's fault. If you don't like the fees and/or interest rates, DO NOT use the card and they will close the account like it was never even opened.

I have a credit balance. I called and was told it would be 5 working days to have credited to my checking account. After this I called, and said it could be 2 weeks. I will keep the acct open to get my bonus in February. Then it will be closed, and never ever use them again. Ready to report to the dept of Banking.

I applied for a Ulta Rewards MasterCard and I was approved for $1000. It took more than the 7 to 10 business days to receive the card. When I finally receive it I take my daughter to Ulta so that she can buy something as well as myself. Then bought a couple more things someone else making my spending purchases of $385.15. I was not going to use the credit card until I paid the full balance. I receive an alert from Experian stating this account was closed by the bank after a few weeks. I called and no one communicated why, but that I would receive a letter.

Just like others, I accepted their credit offer. With FICO score of excellent I received limit over $10,000.00. I liked the way they display pending transactions, and decided to use this card for my business. As soon as the charges totaled substantial amount, they closed my account without reason hence adversely affecting my credit utilization. I paid the balance immediately, and they couldn't do much damage to my credit. Nevertheless I take exception to the fact that time, and time again, despite my multiple requests, they will not provide me with the source of information that prompted closing my account.

I was approved for an Ultamate Rewards MasterCard with a CL of $1,500. I thought that was fine and waited patiently for the card, which took a while to get to me but showed up as a new account on my credit reports. I went to go activate the card, which went through fine, and to my surprise it said I had no available credit. I thought it was a glitch, so I went ahead and tried to use it on the small purchase I already intended for it. Wasn't working, so I gave up. A couple days later it showed up on my credit report as a closed account and that they closed it.

As far as collections go, they're definitely not the worst company I've ever dealt with. However they do have a tendency to talk over you. They'll ask you questions or give out ideas and how to help get it paid and if you try to respond they will completely interrupt you repeatedly over and over. The tone of customer service overall isn't terrible. But they're not super understanding. I battled cancer and having to move for medical reasons and the loss of my job over it sent me way behind, and they kept offering me a hardship program but with that I had to make a payment that to them was low but I just didn't have it. So I never qualified for this hardship program because I literally cannot afford to make the initial $20 payment when they needed me to make it. What I need is for them to set me up on something that can push my payments out a couple months so I could have it planned. They just made it really hard.

BUYER BEWARE! This is a scam. The bank puts the pay off date much earlier than your payment date and unless you read the fine print to find this, you are going to end up making your last payment later than the pay off date. Then they charge you the full interest on 18 months because you did not pay by the due date. This is what happened to us. We are encouraging our Dental Clinic to stop using this plan as it is definitely set up to make money for the bank.

I called to make a payment on my Dental First credit card. Followed the prompts on the automated system. Entered my social security number 3x and I was connected to a representative “Mark”. Said, "the system doesn’t recognize your social because of a zero balance"! I Owe $2100.00 at the time. I said, "how is this possible?" “Mark” said, "you have a 0 balance." I said, "when will the account show a 0 balance." he said, "July’s statement!" I said, "Ok!" So it’s July the 2nd I received my July statement and now I owe $27 and for a late fee and the past due of $75 and & July’s payment of $75 on the 19th! I called and there is no recording of my call on the 19th. I spoke with a supervisor and she said she can’t do anything for me because the call wasn’t recorded!??? Before I hung up on the ** I said, "Comenity Bank can kiss my **!"

In August 2018, I received a letter from Comenity Bank advising that I could sign up for e-mail and text alerts for charges made to my B.J.’s World Mastercard credit card account. Up until this time, this credit card was the only one I had that did not offer this service. I attempted to sign up for these alerts but every time I tried, I got an error message that said, “We’re sorry. A technical glitch occurred and your request could not be completed. Please try again.” I tried setting different dollar amounts for the alerts; tried requesting only e-mail alerts and then only text alerts; a combination of the two; tried different web browsers; cleared the cache in between requests; and, even tried different computers in the house, including a Macbook, but still got the same error message.

Do not use Comenity Bank's credit card. We made a purchase from Arhaus (love the furniture there - this is not a ding against Arhaus) and used the 0% financing option through Comenity. They did not explain the terms of the payment plan well and we paid it off, in accordance with our obligation, within 6 months. Nevertheless, because we paid it off 2 days after 6 months from the actual purchase date, but within the 6 month period and billing date, which we had understood to be the relevant date, we were charged 100% of the interest from the original purchase. Our final payment outstanding payment as of that date was less than the interest that they ended up charging us on the entire thing. The bank was completely unwilling to work with us and their emails and website made no indication that this was the requirement. NEVER EVER finance or borrow or work with Comenity.

I am very careful with my only credit card. Last June 2018, a Victoria's Secret Associate "tricked" me into their Angel Card, stating that if I sign up for this card I would get a discount. They did Not mention it was a credit card and the remainder amount of my purchase would go in that card. I never used the card or even activated it. 4 months later I see 100s of dollars amount pending. I paid it off right away asking my account to be closed. The incompetent staff at both these organizations made no efforts to help me with the dispute and kept asking for payments only. The result is my CREDIT HISTORY IS DESTROYED!!! I am unable to get credit cards or rent an apartment because of this. And even now they keep reverting you to write letters for this matter at their PO Box which will never get responded back to. Am sure I am not the only one they have scammed this way.

I opened a CD account over two months ago. I noticed the funds had not been taken from my bank account, so I sent them multiple messages over the last month to try to get an answer as to what was going on with this, and I have received ZERO reply from them. Their message system specifically says 'we'll get back to you shortly' when you send them a message, but this is a flat out lie. I am left not knowing if the money is suddenly going to be removed from my bank account months after it should have been, or if I can use the funds for something else. I was expecting to be earning interest this whole time, but I am just left completely hanging by this company.

I have had many issues with this credit card. I originally opened it up to use at Express stores. They change your due date without telling you and send a letter 60 days later. DON'T USE THIS BANK!!!! THEN CHARGE YOU A $30 LATE FEE!!!! DON'T USE THIS BANK!!!!

Comenity regularly, deliberately (it's happened far, far too often to be mere incompetence...), misapplies my payments. By that I mean they apply my payments in ways other than as described in their card-member agreement and/or as I've requested during phone calls with their reps. Over the past almost 6 years I've had to get on the phone with them more than 6 times a year. Here's their trick - they offer very attractive 0% balance transfers with 3% one-time charge for more than 12 months, but rather than applying payments [IMPORTANT! AFTER any excess of the minimum payment. Learned THAT lesson the hard way...] to the balance with the highest APR they'll apply it to the LOWEST APR, which of course benefits them (and is fraud!).

I read about this bank on Bankrate.com with good interest rates for savings and CDs. The process to open a savings was pretty easy but website is clunky by comparison to other online banks. A few weeks later I attempted to open a one year CD using my same checking acct. and it went downhill from there. Before the CD was funded they said they need to do micro deposits from my checking acct (same acct I funded my saving with). What is wrong with these people? After a week no micro deposits...no transfer, no email, no phone no letter nothing. The CD acct disappeared from the website no explanation. I called and no clue why it happened. I asked to close my acct as I can't transfer money from savings. Two days so far and still waiting. Terrible Banking experience. Steer Clear of this so called Bank.

COMENITY does not deserve any star..... Don’t trust that 18 months no interest program, it’s a hook… We're so happy when Overstock offers 18 months no interest when made my purchase of Massage Chair. Received my bill from COMENITY - Overstock.com. Had set up a payment schedule to pay $101.00 every month of my $1,837.95 since the purchase made on Nov 2017. As of May 30, 2019 paid the remaining balance of $120.95 before the statement due date of June 4, 2019. Received the final statement, expecting $0 balance, but $434.83 instead for interest.

They do not post payments or transactions and charge a service fee that is unfair. They sent me the same response over and over about the charge like it's from a computer. I never know what my true balance is. I will never use them again.

Through the computer system I made a payment in full for the payoff balance. Three months later I receive a phone call that I am past due on my bill. They added interest and fees. As a customer, the pay off balance should equal the pay off balance. These scammers just lost me over $17 in interest and $50 in fees. Rip off.

They don't even deserve the 1 star, I would like to give them a negative number. I pay my bills timely online and did not received any notification that 12 month promotion is expiring, and now I am being charged with their high interest rate for the entire amount. I have tried to communicate with their customer service team several times, and they always have the same generic copy and paste answer. They will never get my business again due to lack of transparency and robotic customer service.

I AM PISSED!!!! Sorry, but I am fight texting right now and my explanation may jump everywhere but I hope everyone who reads this will get my point. I have been a loyal customer with NY & CO for 3 years and never missed a payment. I have received 2 credit limits since 2016. As of April 17 2019, I sent a payment (oops used the wrong account) so I immediately paid it without any late fees but later I checked my credit and it says account closed, WHAT! I called customer service. They informed me my account still active and I need to file dispute with credit bureau. Ok! So I did.

I opened an account in March and didn't receive a paper bill until May 10 and already they had started charging a late fee. Since I was out of the country until the end of May (at which time they slapped on another late fee!) I now had a bill for three times the amount of my $20 purchase. I called and immediately paid the amount in full and cancelled the card. Then today, I get a letter recognizing the fact that I closed my account and had a current balance of $68.12!!?? Of course when I call, my balance is $0. Comenity Bank is totally irresponsible when it comes to billing and statements. I always pay my bills on time and this is very frustrating to me. Victoria's Secret, don't ever count on me to get one of your credit cards and I'm not sure I can even bring myself to shopping there again. Please get yourself a different system.

This is what I went through with my Ann Taylor Loft store card, which I hardly used as is. My account was stolen and maxed out. It turns out that in order to use one of these cards in a store, is walk in there with your name and phone number, and pretend they forgot the card. They do not ask for an ID or anything - or at least so I was told when I reported the fraud. That is how seriously Comenity and Ann Taylor take security.

After researching high yield savings accounts and seeing Comenity Direct's High Yield Savings Account 2.48% APY product advertised on a number of financial websites (e.g., Bankrate.com, Financialmentor.com, Magnifymoney.com, etc.) with terms that sound right for me, I apply using their online website application. I input my personal information - name, address, social security number. I come to a page from which I can choose the bank I want to transfer money from to fund my Comenity savings account as you need $100 minimum to open the account, and I select one of my other banks inputting my user ID and password for my other bank account (a nationally known bank) and then after ALL that, I get a screen that says they are unable to approve me for a Comenity Direct high-yield savings account. WHAT?!?

While my overall experience with Comenity has been neutral, the bank has a strange business practice that potential customers should be aware of. When, for whatever reason, the bank suspends the account (questionable transactions, security concerns, etc) the policy of the bank is to NOT alert the account owner or customer (i.e., no text message, no email, no call). The customer only finds out there's a problem when the card is denied by the merchant. This can be embarrassing and certainly not a good customer experience. Repeated attempts to get resolution to this complaint have not been successful. I filed a complaint with BBB where I discovered the bank has the lowest rating "F". Clearly something's wrong with Comenity's management.

Comenity charged me 1900 dollars in deferred interest. I never received a statement, courtesy letter... Absolutely nothing. I called a few months prior to the charge to have my address updated. Of course the manager claims there are no records of me calling requesting paper statement and address updates. I paid my remaining $652 remaining the day I found out which was exactly one month after the charge. I would like to see these criminals see justice. I have excellent credit and always pay my bills. I use Comenity for my Victoria’s Secret card as well. I will be closing that account. They have lost my business and trust.

I successfully opened a savings account but when I tried to add a CD account, I kept getting denied, which is really strange since I have a credit score of 830. Even then, this is a CD and not a credit card so why would you deny a CD account? I called their 800 number but that number is only for the credit card department. They tried to route me to the savings department, but I was routed back to the exact same 800 number. It's like the savings department does not exist! So I tried to email them and contact them online, only to have really slow response, and someone promising me they will call me when they didn't. Something fishy is going on and I might have to pull out all my savings from the account I just opened, and run.

Comenity Bank has a decidedly anti-disabled attitude. They claim they treat all their customers "fairly and equally", which is ableist rhetoric; it's like telling someone that since some people don't need a wheelchair or a hearing aid, nobody should use one at all so it can be "fair and equal". They would rather disabled people drag themselves around on the ground so that things are "fair and equal". These kind of ableist company policies are disgusting.

Will someone please tell me how to get in touch with corporate. I have experienced every single concern. Something has to be done. I'm in fear that if I pay them and close them I could hurt my credit score only to find out yesterday that one my paid accounts had been closed due to inactivity. This Comenity bank can't get away with this, my FICO score has dropped 15 points dealing with this mess. Someone please help and post about so that we can help everyone else.

Tried to open a saving account and was denied. Contacted the bank for an explanation (required by law by the way) and was told they did not have to explain anything at all. No idea how someone can be denied opening a saving account. Opened with Citi the very next day.

I am in the process rebuilding my credit after a bankruptcy a few years ago. I opened accounts with a small limit with some different businesses that use Comenity (mostly fashion/retail). I have paid all payments on time and all of a sudden, they lowered my limits due to a temporary decline in my credit score due to an error that was taken care of. My score recovered after the error was taken care of but they used that one moment in time as an excuse to lower the ;limits on all the accounts that they service, which in turn caused my credit score to go down more. I am in the process of paying off and closing all Comenity serviced accounts. The Businesses (as well as Comenity) will be the ones to lose as they will not get my business anymore.